Can a person who does not have an American work experience receive a pension in the United States

About 63 million people in the United States receive Social Security benefits. Mostly these benefits are distributed among pensioners or disabled people who have worked for the required number of years, the newspaper reports. AS... But immigrants are interested in whether it is possible to receive an allowance or a pension if they moved to the United States at an advanced age and did not have time to accumulate the necessary length of service.

To be eligible for Social Security benefits, several requirements must be met. To be eligible for a pension, the employee must contribute money to a social security fund. Depending on the number of years you have contributed and your annual income, you will receive a certain number of work loans. The amount of the retirement benefit will depend on them.

What are work loans

An employee who makes social security contributions can receive a maximum of four labor loans per year. To qualify for any benefits, you must have at least six work credits, regardless of age or disability. The maximum number of credits that can be collected is forty.

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The one who submits an application to receive disability benefits, "must have an average of one work credit for each calendar year between the year he turned 21 and the year when he turned 62, became disabled or lost his sight."

Survivor Benefits

If you are a dependent or spouse of a deceased worker, this is the only way to get Social Security benefits if you have never worked. Every month, millions of workers pay a portion of their income to the Social Security Fund. After retirement, they will be able to rely on benefits from this fund.

However, some of the money from this fund goes to pay the dependents or spouses of the fund's beneficiaries who paid contributions or started receiving social security benefits and died.

Children and spouses of deceased retirees can receive their Social Security benefits and work at the same time. However, the Social Security Administration warns that if your total income exceeds a certain limit, the amount of benefits will be reduced, but the eligibility will not be taken away. When a dependent or surviving spouse reaches retirement age, the benefit (if any) will be added to the deceased's benefit received.

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If you are eligible for survivor benefits, it is important to request it quickly, as in many cases it is not retroactive and lost months will not be reimbursed.

In 2020, about 11% of social security benefits were sent to the living relatives of deceased employees: 6 million of these people receive about $ 7,9 billion annually.